What coverage does renters insurance offer

California has a lower percentage of rentals than many other areas in California at 34 %. On average, only about 45% of renters carry renters insurance. That leaves a lot of people in a perilous place. Even in a nice area like Fontana, bad things happen, and without renters insurance, you risk losing all your possessions and potentially all your assets. At Rock Hard Insurance Agency in Fontana, CA, we are committed to providing our clients with exceptional service. We get to know our clients and their needs personally. 

You may believe your landlord is looking out for you and has insurance that protects you. Unless you have an exceptionally generous landlord, the only insurance they will have is for their building, and you are on your own for your possessions. Having your own renters insurance offers you a variety of protection. 


Everything you own may be located in your rental. This includes your clothes, your electronics, your furniture, and other items you own. Losing them to something like a fire would be devastating. Rental insurance will cover things like your laptop or tablet even if you are not at home. Theft is one of the types of coverage renters insurance provides. However, keep in mind policies have a deductible. 

Liability coverage

Unless you are a hermit, chances are you will have friends visiting you at your rental. If someone is injured while visiting and needs to visit the doctor or emergency room, you could be liable for those medical expenses, and friends have been known to sue other friends. Liability coverage will help you in the event this happens to you.

Loss of use

Being without a place to stay is no fun. With renters insurance, you will have help paying for a place to stay while your rental is being repaired after a covered hazard. 

Contact Rock Hard Insurance Agency in Fontana, CA with any questions you have about renters insurance.